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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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MK Rapid Recoveries and Barclycard


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Several years ago I lost my job and therefore couldn't make the minimum payment on my credit card.

 

I rang BC to explain and they were reasonably helpful at first.

They told me they could lower the payment, which I still couldn't afford,

but told me that was the least they could take.

 

I later found out this was rubbish and

rang back to make token payments to show I wasn't trying to ignore/avoid it but just couldn't pay at this time.

 

they quickly added charges to my account and continued to add interest

despite me pleading to them to freeze the account as I had long since cut up the card... they wouldn't.

 

After dealing with 3 separate recovery companies,

explaining exactly what had happened,

the third company then sent an "agent" round to my house, illegally.

 

Luckily for him, my mum answered the door and sent him on his way.

 

I rang the company to let them know what they had done was illegal and that I was going to sue them.

 

A few days later I received a letter saying that the case was closed

and I wouldn't hear anything about it, which I didn't, for 2 years.

 

A few weeks ago I got a letter from MKRR

saying they were acting on behalf of Barclycard and I owed them £4,518.63.

 

I had spent less than £2000 on the card so the rest is interest and charges which is what I argued about for so long.

 

The thing that is puzzling me is that Barclycard have had my address and contact details for the past 2 years

so why has this company only contacted me now?

 

And how does it work if the last company "owned" the debt?

 

Have they sent it back to Bacrlycard or sold it on to another company?

 

I'm currently unemployed (just finished uni) and don't claim any benefits.

 

They are threatening legal action and saying the amount will continue to go up if I don't contact them.

 

Do I still have a case suing the other company for coming to my house illegally?

 

Thank you in advance to anyone that offers help, support or advice.

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Hi

Don't even think of sueing anyone. The doorstep caller did nothing wrong. He turned up and was sent on his way. Did you ever send a letter telling them not to call?

 

BC are in the wrong and as such you should submit a formal complaint. They knew at the outset you were in difficulties and refused to stop charges and interest.

 

These charges and subsequent interest should be removed and a suitable agreement made to repay what you owe.

 

As to why the accounts have been bounced back and forth, no one can ever fully know how their minds work.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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is this on your cra file ?

 

that will tell you the owner.

 

if MKRR don't own the debt

then they can wave their arms as much as they like.

 

also.

 

unlawful, not illegal.[not a criminal matter]

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi Hippo,

 

Make a list, using all the old statements, showing penalty charges added to the a/c. BC should not have added these after they knew you were in Financial Difficulties but they often did, so reclaim these charges in full, plus compound interest.

 

Forget suing anyone as they did nothing wrong.

 

But DO reclaim what is yours, to reduce the balance owed.

 

:-)

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